BAD EXPERIENCE

My credit report shows that I missed 2 payments (September and October 2023 respectively) on my Direct Axis account (Clientele) account. This is not true and I have the proof of payments to show it. This account has also been settled in full in December 2023. Direct Axis has confirmed that all details were sent through to the ITC and referred me to Transunion to correct this. However, I don't know why I have to contact a credit bureau to update my credit record. This is absolutely unacceptable.